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Income Protection

Income Protection

We believe that everyone should have access to clear Mortgage advice to help them make more of their money.

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Income Protection

Income Protection you can depend on

Income Protection replaces part of your income (tax free) if you are unable to work for a long period of time because of illness or disability, and will continue to pay out until you can return to some kind of paid work, reach retirement or death, whichever is sooner.

What is Income Protection insurance?

Alongside life insurance, income protection is a must-have insurance for most working adults, but only few of us currently have. It has a waiting period before it will start to pay out. The longer you agree you’ll wait, the lower your premiums will be, so it is important you find out what income you can get from your employer, and other insurance in the event of illness or disability

There are usually three types that you’re protected against – accident and sickness only, compulsory unemployment and the more comprehensive, accident, sickness and unemployment cover (ASU). You’re able to protect up to 70% of your gross salary and it’s designed to replace your income and to pay out a tax-free monthly sum until you are able to return to work, which can be used to help pay your monthly mortgage and certain bills.

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Critical Illness checklist

Income protection is a useful product for anyone who wants to cover their salary so they don’t fall behind with monthly outgoings should they be unable to work.

Typical times when people consider it include:

  • If they’d struggle to make ends meet if they had no incoming salary
  • If they have dependants
  • If they’re self employed

It may be tempting simply to opt for the cheapest policy available. But it is important to bear in mind that whilst many products may look the same, there can be important differences between them that can be difficult to spot. This is particularly important with serious and critical illness cover where the cover available from different providers varies more significantly care should be taken to select a policy that is most suitable for your particular needs.

We all know to our cost sometimes that not everything in life is straightforward and things don’t always go to plan. Our Insurance advisers can help you prepare for the unexpected and put in place some financial safety nets in case anything happens to impact your family or disrupt your plans.

This cover might not be available to you if you have existing health problems or a dangerous job, get in touch so we can help you make the right selection.

There a number of things which can affect the premium you may pay these are such things as, Age, health, occupation, deferment period, benefit required and indexation.

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How it works

Your financial adviser should follow these steps

01

Connect

Use our adviser map search or complete the quick callback form, we’ll match you with an adviser.  Once that’s done we’ll call you back at your chosen date & time, whatever & wherever suits you, we’ll find the time

02

Contact

During your free callback we’ll ask you what you want to achieve so we can understand your specific needs and circumstances. We can source 1000’s of Mortgage & Insurance products to target the best deal for you.

03

Inform

Once we’ve made our recommendation, assuming you’re happy, we’ll work with you to submit the application & complete the paperwork, if required liaising with solicitors and just being there for you.

INSURANCE GUIDES

We have put together some Insurance guides available in PDF format which detail how we work,
how we are paid & many other aspects of arranging Insurance.

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